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[] Richard Wada: Great matter, Vince. I believe that's within our upcoming. During the hindsight, we simply do not have the outlet right now. We create promote conforming mortgages so you're able to Fannie, but that's within our future, will be to manage higher grace regarding our very own channels as the i've such as an excellent sector here in this new San francisco bay area, Bay area, it's a very good housing market. And you will
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